Our Proven Investment Recipe

What is your investment strategy?

There are many different strategies for property investment. Residential Projects Australia believes anybody in Australia can and should become financially comfortable and live the life they want through property investments.

Many Australians have already warmed to the concept of Residential property investing forming a significant part of immediate financial future and their retirement plan.

Don’t have an investment strategy?

Let our team at RPA show you how simple, yet effective property investing can be. These strategies include buying and holding, buying new versus old, trading, wraps, cash deposits and borrowing 110%.

Here is the simple process that works for our clients:

Secure a loan Approval. We will help determine your borrowing capacity for the right price range of property and secure a loan pre-approval. The loan should have an interest only term, usually for up to 5 years. This will enable you to make the most of your tax benefits during the first few expensive years of the loan.
Source new house and land packages in growing areas, usually in new estates. Investing in these areas will be more affordable and provide reasonable consistent capital growth whilst keeping your weekly investment outlay to a minimum. It is true you can achieve higher capital growth in inner cities but it needs to be weighed against the increased initial capital outlay and weekly cash expenses. Often you can afford to purchase more properties in new growing suburbs. By purchasing land you save thousands of dollars in stamp duty etc.
Purchase land direct from council, or the first developer of the project. This saves thousands of dollars of stamp duty as you only pay stamp duty on the value of the land and cuts out any of your profit going to the middle man. By the time the land is ready to build on, and after the building has been completed, the value of the land generally increases. It is the land that appreciates.
One month prior to the completion instruct a property manager to secure a tenant ready to move in.
Make sure you have all the necessary insurances including landlord insurance.
Arrange for a depreciation schedule from a quantity surveyor to achieve the maximum depreciation benefits from a new property.
Prepare a PAYG tax variation lodgement so you can claim tax benefits on each pay period and help fund your weekly cash expenses.
When practical, repeat this process until you have the desired amount of property to help fund your retirement. Provided you can maintain your investments for around 10 years you will achieve good capital growth,
It is recommended to sell only some investments at retirement to pay out the mortgages on the remaining properties. You can then live off the rental income from these properties.

Your seven steps to a better future

Arrange a consultant to meet with you for 30 to 60 minutes to discuss:

Your hopes for retirement. Together you will calculate the income that is required for you to live on in retirement.
Determine your shortfall between your superannuation and required income. This shortfall is the target we will work out your strategy on.
Your current financial circumstances to see if restructuring is required, determine what your borrowing capacity will be, and the amount that you could invest comfortably on a weekly basis.
We will prepare an easy to read five to seven page proposal with a strategy outlining how to achieve your targeted retirement income. It will show how you can use your home’s equity to purchase residential investment properties, and how many properties you will need to fund your retirement.
Arrange pre approved finance so that you can purchase investments with confidence. You can do this on your own or, as a representative of Professional Lenders Association Network, I can research the best options for you at no cost.
We will target an investment area and help purchase a property.
We can coordinate with builders, banks and solicitors. Depreciation schedules are prepared and I will assist in preparing tax variation agreements.
Prior to the property being completed, we can arrange for a tenant to be secured ready to move into the property.
By keeping track of increases in the equity of both your own property and your investment properties, you can continue buying additional properties until you reach your retirement goals.